What type of rider is added to ensure a policy remains active if the owner becomes totally disabled?

The waiver of premium rider is specifically designed to keep a life insurance policy in force if the policyholder becomes totally disabled. This rider allows the policyholder to stop paying premiums for the duration of their disability while still enjoying the benefits of the insurance coverage. This is particularly important because it ensures that a policy does not lapse due to the inability to pay premiums resulting from a disability, thereby protecting the insured's family or beneficiaries.

In contrast, a cost of living rider adjusts the death benefit for inflation, an accidental death rider provides additional benefits if the insured dies due to an accident, and a disability income rider offers monthly income payments if the insured becomes disabled. While these riders serve important functions, they do not directly address the issue of keeping the policy active in the event of total disability.